My Apple Pay experience with Staples and Target apps:
- For the Staples app after pressing ApplePay button the screen would briefly flash some info and then the whole app would freeze. Had to restart phone. Tried several times with the same result.
- For the Target app after pressing ApplePay button a screen came up showing Card / Billing / Shipping information (it looked like the same screen that briefly flashed in the Staples app) with the Shipping address highlighted as needing to be changed. The shipping address it was using was automatically filled in when I added the card with the state as "OHIO". As most online purchase forms only use state abbreviations I changed the shipping address with the state as "OH", everything else was the same. App then prompted for the fingerprint and the purchase went through with no problem.
After going to settings and making a new default shipping address (with state as "OH"), I went back to the Staples app and after pressing ApplePay button the screen with Card / Billing / and Shipping information came up, I pressed the fingerprint reader, and the purchase went through.
Not sure if this problem is bank/card specific or Apple Pay specific. As reference this was with a Citi card.